Muktinath Bikas Bank Interest Rates Effective From Ashoj 01, 2083 (September 17, 2026) Complete Guide
16th September 2026, Kathmandu
Muktinath Bikas Bank Limited has published its updated interest rate structure, effective from 1st Ashoj 2083 (September 17, 2026).
Muktinath Bank New Interest Rates
This article outlines the bank rates across savings accounts, fixed deposits, floating loan rates, fixed interest loans, and important notice terms without adding external links or tables.
Saving Deposit and Call Account Rates
Muktinath Bikas Bank offers various saving accounts tailored for general deposits and specialized customer segments. Under savings deposits, Muktinath Aashirwad Bachat (Gold) offers 2.80% per annum, and Muktinath Aashirwad Bachat (Platinum) offers 2.80% per annum. All other regular savings accounts provide 2.75% per annum. Muktinath Sambriddhi Remit IPO Bachat Khata earns 3.75% per annum. Foreign currency (FCY) deposits in US Dollar, Great Britain Pound, Euro, and Australian Dollar offer up to 1.00% per annum. For current and call deposits, the current account earns no interest, while call deposit accounts provide up to 1.00% per annum.
Fixed Deposit Interest Rates
Fixed deposit interest rates are categorised by individual, institutional, and remittance deposits across various tenures. For a 3-month tenure, individual accounts earn 2.75% per annum, and remittance fixed deposits earn 3.75% per annum. For a 6-month tenure, individual accounts earn 2.75% per annum, while remittance accounts receive 3.75% per annum. For a 1-year tenure, individual accounts earn 2.75% per annum, institutional accounts earn 2.75% per annum, and remittance accounts receive 3.75% per annum. For a 2-year tenure, individual deposits receive 3.00% per annum, institutional deposits receive 2.80% per annum, and remittance deposits receive 4.00% per annum. For 3-year, 4-year, and 5-year tenures, individual accounts earn 3.50% per annum, while institutional accounts earn 3.00% per annum. For tenures above 5 years up to 10 years, individual accounts earn 4.28% per annum, while institutional accounts receive 3.20% per annum. Akshay Kosh rates are negotiable.
Floating Interest Rates on Loans and Advances
Floating loan interest rates are calculated as a risk premium added over the bank base rate across agricultural, consumer, SME, and corporate categories.
Under Agri & Inclusive Products, Agriculture Loan floating rate premium ranges from a minimum of 0.50% to a maximum of 2.00% per annum. Small Enterprise Loan floating rate premium ranges from 2.00% to 4.00% per annum. Women Enterprise Loan floating rate premium ranges from 1.50% to 3.50% per annum. Wholesale Loans – Microfinance floating rate premium is up to 2.00% per annum. Wholesale Loan – Co-operatives floating rate premium ranges from 0.50% to 2.50% per annum. Small Commercial Vehicle Loan floating rate premium ranges from 1.00% to 3.00% per annum. Other Deprived Sector Loan floating rate premium ranges from 2.00% to 4.00% per annum.
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Under Consumer Products, Home Loan floating rate premium ranges from 0.25% to 2.25% per annum. Auto Loan floating rate premium is up to 2.00% per annum. Education Loan floating rate premium ranges from 0.50% to 2.50% per annum. Personal Overdraft Loan floating rate premium ranges from 2.50% to 4.50% per annum. Personal Term Loan floating rate premium ranges from 2.00% to 4.00% per annum. Mortgage Loan floating rate premium ranges from 2.00% to 4.00% per annum. Share Loan floating rate premium ranges from 0.75% to 2.75% per annum. Professional Loan floating rate premium ranges from 2.50% to 4.50% per annum. Gold Loan floating rate premium ranges from 2.50% to 4.50% per annum.
Under SME Products, Lower SME Loan floating rate premium ranges from 1.00% to 3.00% per annum. Upper SME Loan floating rate premium ranges from 0.50% to 2.50% per annum. Hire-Purchase Loan floating rate premium ranges from 1.00% to 3.00% per annum. Demand Loan floating rate premium ranges from 0.50% to 2.50% per annum. Real Estate Loan floating rate premium ranges from 1.00% to 3.00% per annum.
Under Corporate, Infra & Project Finance Products, Corporate/Project Loan floating rate premium is up to 2.00% per annum. Energy Loan floating rate premium is up to 2.00% per annum. Demand Loan floating rate premium ranges from 0.50% to 2.50% per annum. Real Estate Loan floating rate premium ranges from 0.75% to 2.75% per annum.
Fixed Interest Rates on Loans and Financial Indicators
For loans under fixed interest rate schemes, up to 3 years tenure rates range from a minimum of up to 9.00% to a maximum of up to 11.00% per annum. For above 3 years to 7 years tenure, rates range from a minimum of up to 12.00% to a maximum of up to 13.25% per annum. For above 7 years to 10 years tenure, rates range from a minimum of up to 13.50% to a maximum of up to 14.00% per annum. The 3 months average Base Rate of Shrawan 2083 stands at 5.54%, and the Interest Spread for the month of Shrawan 2083 stands at 4.43%.
Additional Information and Notice Conditions
Interest in saving and call deposits is paid on a quarterly basis, while interest in fixed deposits can be paid monthly or quarterly. Aashirwad Bachat products are applicable for existing customers only. Interest rates on call accounts are negotiated and may vary subject to market conditions. The remittance fixed deposit product is applicable to individuals only. Fixed deposits can be opened for the specified published tenure only. The interest rate applicable on forced loans shall be 7% on top of the base rate. The interest rate in consortium loans shall be as decided by the consortium meetings. Penal interest of plus 7% per annum will be applied on overdue amounts. Interest rates on Deprived Sector and Subsidized Loans shall be in line with NRB Directives. The bank shall comply with applicable NRB directives and circulars while determining interest rates on loan products.
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